About Us

San Diego Mortgage Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices. At any point, feel free to e-mail, text or call us regarding any questions you may have. You can find our contact information at the bottom of each page. We are here to personally guide you through the entire home financing process.

A Word From David Stein, Direct Lender and Owner

Thanks for visiting our site. My name is David Stein, I am a Mortgage banker at San Diego Mortgage Group, a Direct Lender and Broker here in San Diego, California. We focus on customer service and “ROLLING OUT THE RED CARPET” for our clients and friends for the last 18 years.

We make our living helping regular folks and Active Military & Veterans. We have many programs to help you get qualified to buy or refinance a home. Too many people are misinformed about so many programs, and I am here to make sure that you are told the “straight facts”.

My direct number is (858) 337-9744 which will ring to my Office and Cell Phone. If you need to call me evenings or weekends, no problem. I will try my best to answer your call 7 Days per Week to help you. Remember, “it doesn’t cost a penny to talk”. Give me a call right now, I’m here to answer all of your questions.

I’ll also answer the most popular questions for you. Whether you are a Prospective Client or a Realtor, I hope this site will give you the tools necessary to make a proper decision on a Home Loan using the California Veterans Loan Program or the many other programs we have including the TBD Approval Loan program!

Besides, if you would like to know more about my experience and expertise, click here to head to my LinkedIn profile page.
You can also follow me on Twitter for future updates about the program

BEST SERVICES FOR YOU

Frequently Ask Question

I want to use my California Vet eligibility to purchase a home. Can you do this for me?

Absolutely, this is what I do!

Can I refinance my VA loan even if I’m upside down?

Yes we can refinance your home up to 150% of the value

What is the minimum FICO score I need to get a VA loan?

560 score is all we need to get you that VA loan

How long do I have to wait after a Foreclosure or a Bankruptcy to do a VA loan?

years then you are good to go!

How long do I have to wait after a Short Sale to do a VA loan?

No waiting period if you were not late on your short sale!

I only want a 15 year mortgage, can I get a lower rate?

This discount has been eliminated as of August 8, 2008.

You must be at least 20% VA disabled, and have paperwork to support it. (VA Certificate of Eligiblity)

What happened to the Service Era Discount for Vietnam Vets?

This discount has been eliminated as of August 8, 2008.

I don’t live near San Diego, California but can you still handle my loan?

We can close a California VA or Vet Loan anywhere in California with no problem.

Can I close my home loan in my home town?

Absolutely.

How do all those documents get to my local Title Company?

Fed Ex, Fax and Email.

I already applied to another Lender for my Home Loan, do I have to stay with them?

No you don’t. You can change your mind, and decide who you want to close your loan. Transfer of your loan is an easy process. We can close your loan in 21-30 days

Can I use the California Vet Program for a Rental Property purchase?

No.

Can I refinance my primary residence using the California Vet Program?

Yes

Who controls the interest rate on the California Vet Program?

California Vet Land Board.

How often is the California Vet interest rate subject to change?

Every Day just like the stock market

How will I know what interest rate I will get on my home loan?

After we get your initial paperwork and register your loan we lock your interest rate the same day.

I am a Widow of a Veteran, can I qualify?

Yes you can, provided deceased husband died in the line of duty or from a service related cause. Widow must also satisfy the residency requirements of the state of California.

I hate to fill out forms online, can I talk to a person?

Sure just call me! 858-337-9744

I don’t feel comfortable giving my financial information over the Internet, what can we do?

We will do everything over the telephone.

How will I know what the prospective home is worth?

We will order an appraisal done by a licensed VA appraiser in your area.

How long does it take to close my loan?

Three to 4 weeks.

I am working with a Realtor…..is this O.K.?

No problem, or we can recommend a VA friendly real estate agent to you.

Another lender botched my loan, can I transfer my loan to you?

Sure, no problem. Unfortunately, this is all too common.

I want to place my loan in your hands, what’s next?

Call me. 858-337-9744

I want to move forward with you, what do I tell my realtor?

Ask them to fax a copy of your contract to us, and I will give the Realtor a call to coordinate. Fax 888-453-0458

Can I use my VA eligibility to own more than one home?

Yes, we have 2nd tier VA loans available.

I just want to talk, can I call you?

Sure, please call me at your convenience.

Can I use my VA eligibility to own more than one home?

Yes, we have 2nd tier VA loans available.